Sahibzada Qadeerullah, Dr. Najib Ullah Khan, and Javed Ullah khan. “The Impact of Financial Literacy, Risk Tolerance, and Innovation Adoption on Investment Decisions: Evidence from Retail Investors”. Contemporary Issues in Social Sciences and Management Practices 4, no. 1 (March 31, 2025): 59–73. Accessed August 27, 2025. https://www.cissmp.com/index.php/CISSMP/article/view/276.